I'd say we simply do different kinds of touring (or, in my case, have done, haven't done any real touring in a few years). I never had to deal with rutted roads, I don't use aero bars at all, and I'm never going fast enough on a hairpin turn to lean so much that my bags would drag. Mountains, well, I've climbed and descended a few rather large ones in France, Scotland and Ireland!
I would agree that having all your weight forward could compromise safety, and I'm not suggesting such. For my style of riding, putting a bit more weight in my front bags than my rear bags simply spreads the weight out better, giving me better balance on my bike. I've never crashed, never even felt near falling over (well, there was that one time doing the Whiskey Trail in Scotland, but that was without any panniers and a bit too much Scotch from the Glenfiddich, Glenlivet and Glenmorangie distilleries....).
We've all seen bad things -- I've seen front wheels come off the ground as someone with all the weight on the back started pulling up a hill (they lost control and fell over). And I've heard of folks going over their front handlebars with no packs/panniers/etc. on the bike at all, it's easy to lock up your front wheel if you panic, bags have little to do with it.
So I'll cheerfully agree that there are many ways to accomplish the task, with one way not necessarily any better than the other, only different. My way has worked wonderfully for me (I've tried it both ways), your way works wonderfully for you. And that's the beauty of it all, finding what works for us and enjoying the journey. The sun is shining, the touring gods are smiling, we should soon be on our way...